Idaho · updated August 9, 2026

Idaho fixed annuity rates & guaranty limit.

In Idaho, the state guaranty association covers annuity contract value up to $250,000 per owner per insurer. Below are the highest guaranteed rates filed for sale to Idaho residents — up to 6.38% APY.

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Guaranty coverage limit

$250,000

Per owner, per insurer — the Idaho guaranty association's present-value cap if a carrier fails. It's a backstop, not a reason to pick a weak carrier. How guaranty limits work →

Available in Idaho

Top rates filed in your state.

516 products · updated August 9, 2026

# Carrier APY
1 Upstream LifeSecure Legacy · 5-yr 6.38%
2 Sentinel SecurityPersonal Choice · 5-yr 6.25%
3 Sentinel SecurityPersonal Choice · 10-yr 6.25%
4 Sentinel SecurityPersonal Choice · 7-yr 6.25%
5 Upstream LifeSecure Legacy · 4-yr 6.08%
6 AspidaAdvisory MYGA · 7-yr 6.05%
7 Upstream LifeSecure Legacy · 6-yr 6.05%
8 American CenturyFreedom Max Growth · 10-yr 6.05%
9 Sentinel SecurityPersonal Choice · 3-yr 6.00%
10 American CenturyFreedom Max Growth · 7-yr 6.00%
11 American CenturyFreedom Max Growth · 5-yr 6.00%
12 Revol OneDirectGrowth MYGA · 7-yr 6.00%
13 Revol OneDirectGrowth MYGA · 10-yr 6.00%
14 Revol OneDirectGrowth MYGA · 5-yr 6.00%
15 American CenturyFreedom Max Growth with Required Minimum · 10-yr 5.95%
16 American CenturyFreedom Max Growth with Interest-Only Withdrawal · 10-yr 5.95%
17 American CenturyFreedom Max Growth with Interest-Only Withdrawal · 7-yr 5.90%
18 American CenturyFreedom Max Growth with Interest-Only Withdrawal · 5-yr 5.90%
19 American CenturyFreedom Max Growth with Required Minimum · 5-yr 5.90%
20 American CenturyFreedom Max Growth with Required Minimum · 7-yr 5.90%
21 American CenturyFreedom Max Growth with Free Partial Withdrawal Rider · 10-yr 5.90%
22 Revol OneDirectGrowth MYGA with Free Partial Surrender · 5-yr 5.90%
23 Revol OneDirectGrowth MYGA with Free Partial Surrender · 10-yr 5.90%
24 Revol OneDirectGrowth MYGA with Free Partial Surrender · 7-yr 5.90%
25 Revol OneDirectGrowth MYGA with Enhanced Death Benefit · 5-yr 5.90%
26 Revol OneDirectGrowth MYGA with Enhanced Death Benefit · 10-yr 5.90%
27 Revol OneDirectGrowth MYGA with Enhanced Death Benefit · 7-yr 5.90%
28 Upstream LifeSecure Legacy · 3-yr 5.90%
29 AspidaAdvisory MYGA · 5-yr 5.85%
30 American CenturyFreedom Max Growth with Free Partial Withdrawal Rider · 7-yr 5.85%
31 American CenturyFreedom Max Growth with Free Partial Withdrawal Rider · 5-yr 5.85%
32 American CenturySPDA with Free Withdrawal Waiver · 10-yr 5.85%
33 American LifeLife Fee-Based MYGA · 5-yr 5.80%
34 AxonicWaypoint MYGA · 5-yr 5.80%
35 Baltimore LifeIQumulate · 7-yr 5.80%
36 OceanviewHarbourview MYGA · 10-yr 5.80%
37 Baltimore LifeIQumulate · 5-yr 5.80%
38 American CenturySPDA with Free Withdrawal Waiver · 7-yr 5.80%
39 American CenturySPDA with Free Withdrawal Waiver · 5-yr 5.80%
40 American CenturySPDA Guaranteed Interest Rate · 10-yr 5.80%

See the national best-rate leaderboard →

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Fixed annuity rates by insurer.

76 insurers, updated from the live rate feed. Open any carrier to compare its MYGA rates across every term.

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Fixed annuity rates by state.

Each state's guaranty coverage limit and the top annuity rates filed for sale there.

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